My favorite quote from MicroStrategy CEO and bitcoin advocate Michael Saylor is “you don’t have to invest all of your money in bitcoin, just the money you don’t want to lose.” If higher education institutions don’t invest in a Saylor-like fashion, Christensen will be right. In August of 2020, Wells College, located in upstate New York, and 200 other small, private colleges were in danger of closing due to the pandemic. At the end of 2019, Wells College endowment was valued at $27 million if its president had invested it all in bitcoin on Jan. 1, 2020, the endowment would be valued at $180 million today, give or take a few million. Anyone can be a Monday morning quarterback, and yes Bitcoin is volatile, but over time it is only volatile in one direction. Just buy bitcoin!